125 North Fulton St. Ithaca, NY 14850
Phone: (607) 273-4611
Toll Free: (877) 273-AFCU      Contact

Deposit Services

Accounts at Alternatives Credit Union are designed to meet our mission. We have designed our deposit accounts to meet the financial needs of the members of this community, including members with a lower income. 

Our savings accounts have no monthly service charges or transaction fees, and only a $5 minimum balance requirement. Dividends are earned on balances above $5. 

Share draft (checking) accounts are also offered to anyone who lives in Ithaca, Tompkins County, and the adjacent counties of Cayuga, Chemung, Cortland, Schuyler, Seneca and Tioga. 

Certain deposits are available immediately, but we will place a "hold" on others. See our check hold policy for details.

Certificates can be started with as little as $100, and offer competitive dividend rates. 

Routing information for direct deposits to Alternatives Federal Credit Union members: routing and transit number (also known as ABA number) is 221381867.  

Wiring Instructions 

Wire to:
Alloya Corporate Federal Credit Union 4450 Weaver Pkwy. Warrenville, IL 60555
ABA # 221381715
Credit to:
Alternatives Federal Credit Union
Account # 221381867
Further credit:
Member’s Name, Account Number, and Account Type 

International Wires
Because we are not set up to directly receive international wires, we do not have a SWIFT code. In order for us to receive an international wire, you must send your wire via a financial institution in the US that is associated with the originating financial institution, who will then transmit funds to Alternatives via Alloya Corporate Federal Credit Union.

Online Access

eStatements Prior to Dec. 2012 »

Loan Rates
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Your gift to Alternatives Impact helps our community!

Chris Setlock

In the spring of 2014, we learned that our minivan needed repairs in excess of it's value. We'd already been cutting back on our auto use, and were trying to walk and bike more. We'd been talking with friends and reading about cargo bikes as a car alternative. Around the same time, a new business, "Boxy Bikes" opened in Ithaca, which specializes in electric and cargo bikes. We found a model we were interested in, and approached alternatives seeking financing. Alternatives set us up with a signature loan, and a "green loan" discount on our rate. Thanks to Alternatives, we are now the happy owners of a "Yuba Mundo" Electric Cargo bike. We can get anywhere we need to go, using no gas, and creating no emissions. I can carry two passengers, or a weeks worth of groceries. The loan will be paid off in two years, and the bike could last for many more, at a fraction of the cost of an automobile.


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